Mutual Funds

[financial advisor]

Mutual Funds are a good balanced investment for the patient investor. You do not need a broker, you can invest and save money, why pay a middle man when you do not need to. the 20% a month, if it sounds to good to be true then it is. This is probably something illegal or close to it. I would say stay away from scams.

I have been investing in funds for many years and there are no funds doing 20% a month.

use your brain, use the internet, don't use brokers or those who say they are market smart and can beat the market because over all no one is that good.

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Yes, mutual funds are good long term investments (3 years above) you can go directly to invest with a mutual fund company, on your own, or go to a broker/salesman/agent/advisor/consultant who works at the company. If you feel you can invest on your own and you have enough knowledge about the market, then open the account by yourself. An advisor or someone will be assigned to handle or service your account anyway. At least to most mutual fund companies. No brokers or advisors can say that they can beat the market. You know why? coz they dont do the trading inside the fund. They dont manage the fund. That is the role of the fund manager. The role of the broker or advisor then is to "guide" the investor when is a good time to enter into the market and when to sell.

[financial advisor]

Hey! A very timely topic! I just finished reading Andrew Tobias - Money Angles. I'll definitely be keeping an eye on this thread. I really dont know why people still use the Banking System when they can make more money in some other types of Biz.

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yes, you have a point. i guess some people are afraid of taking risks.. and they see banks as a more "stable" alternative. as they say in finance or investing... low risks, low returns..

[saturn]

When Sunlife prosperity bond funds shifted to mark to market valuation last October 17, 2005, a 2% increase in its NAVPU was noted. Do you think that the same thing will happen once Philam's Bond fund shifts to Mark to Market and when?

[wonderkid]

maganda returns sa Banco de Oro. try their Unit Investment Trust Funds. i have been earning above market returns for the past months.

[coldfussion]

hi guys newbie lang ako sa thread na 'to and i want to take a risk on this trust funds that you guys are talking here...pero di ko alam kung pano mag invest...gusto ko sana yung sa Banco de Oro Unit Investment Trust Funds...hoe can i invest here?...will i just go to the bank and tell them i want to invest on thier trust funds?...any info will be greatly appriciated :cool:

[scooby91]

hi guys newbie lang ako sa thread na 'to and i want to take a risk on this trust funds that you guys are talking here...pero di ko alam kung pano mag invest...gusto ko sana yung sa Banco de Oro Unit Investment Trust Funds...hoe can i invest here?...will i just go to the bank and tell them i want to invest on thier trust funds?...any info will be greatly appriciated :cool:

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suggest you read their prospectus dude... trust funds with banks are usually ultra conservative...

equity funds are more aggressive... depends on your investment objectives...

the three elements remain - risk, return, time...

[saturn]

The kind of uitf that you intend to invest will depend on your risk tolerance on the different funds that bdo offers at the moment. In my opinion the safest bet would be to put it in the bdo peso bond fund, where the investments are placed in government securities and special savings which are not as volatile as the equity fund. The annualized returns on the bond funds are usually higher than the ordinary money market placements in the banks. Another thing, the recent conversion to mark to market valuation will be beneficial for an ordinary investor like us because the returns are updated daily. For more info check out the web page of bdo at www.bancodeoro.com.ph.

[coldfussion]

guys tnx for the responce. but can we talk in lay man's language...i don't know some of the terms you just said to me...i'm an engr kasi eh hehehe

[Livewire King]

hey mr financial advisor how can i launder money i have lots cumming

from our sources jueteng b4 it was closed but cant keep them from

prying regulators pm me your advice

[Quentin]

hi guys newbie lang ako sa thread na 'to and i want to take a risk on this trust funds that you guys are talking here...pero di ko alam kung pano mag invest...gusto ko sana yung sa Banco de Oro Unit Investment Trust Funds...hoe can i invest here?...will i just go to the bank and tell them i want to invest on thier trust funds?...any info will be greatly appriciated :cool:

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Yes, it's kinda like opening a normal account. You go to new accounts section, tell them you want to open a uitf, fill up some forms, and give them the money you want to invest. It takes three days before you get the certificate stating how much you invested and how many shares you bought.

[financial advisor]

hey mr financial advisor how can i launder money i have lots cumming

from our sources jueteng b4 it was closed but cant keep them from

prying regulators pm me your advice

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sent you PM already.

[financial advisor]

Hi financial adviser,

 

Last year the equity market is really doing well in the Philippines but this year it is kind of just maintaining.  I notice that equity market is really doing well in the asian market.  Could you give

me some advice on what equity market will perform well

 

thanks

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JAPAN has good prospect or outlook for next year. China and Philippines also.

[scooby91]

not sure if this OT.. but anyone here familiar with options, futures, or forex trading?

[saturn]

I was wondering if anybody here invests in UITF?  Currently I'm looking at Banco de Oro's UITF, Sunlife  and Philam Mutual funds.  The BDO Peso Bond UITF only started this april and has earned 9%, annualized that's 18%.  Sunlife's Peso Bond only earned 8% last year (this year ba ano yield nila), which is why I'm thinking of investing in BDO, even if they have a yearly trust fee it would still give better returns as they have better performance.

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Base on data derived from icap.com, for risk sensitive individual I suggest you invest in an uitf for 1 year in Sunlife prosperity bond fund. Sunlife has a proven track record in the world not only in the Philippines.

[THUG]

both are equity funds.....i don't think it is called a BPI Index fund.....they have a name for it....maybe am wrong

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its Philippine Index Fund.. not BPI Index Fund, though it is owned by www.bpitrade.com

 

.. it is based on an index.. index funds are select stocks but are not actively managed by a fund manager.. thus you pay lower fees..